Best No Annual Fee Travel Credit Cards of February 2025

Miles can be redeemed for statement credit against travel purchases at a value of 1 cent per mile, with no restrictions on when you travel. There's a sign-up bonus, too: Earn a bonus of 40,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $400 in travel..

The ongoing rewards rate is lower than what some competitors offer.

The card earns unlimited 3 points per dollar spent on travel, dining, gas stations, transit, popular streaming services and phone plans. Other spending earns 1 point per dollar. The bonus offer is outstanding for a $0-annual-fee card, and you even get a introductory APR period.

The card doesn't have the perks of a dedicated airline or hotel card. You can transfer points to airline and hotel programs, but the options are limited.

This card has one of the broadest definitions of travel, giving you more ways to use your points. You can also earn up to 75% more points if you’re a Bank of America Preferred Rewards® client. There's a nice sign-up bonus and a 0% APR period, too. And since it's a Visa card, you'll find broad acceptance overseas.

A flat-rate card means you don't earn bonus rewards for travel purchases.

This card earns 1 Bilt Point per dollar spent on rent (up to 100,000 points annually). That might not seem like a jaw-dropping rate, but consider that in most cases, you either can't use a credit card for rent at all, or you can't do so without paying an extra transaction fee that more than wipes out the value of your rewards. The card also earns 3X points at restaurants, 2X on travel, 5X on Lyft (when you link your accounts) and 1X elsewhere, as long as you make at least five transactions each statement period. Those rewards rates, except for rent, are doubled for purchases on the first day of every month ("rent day"). Redemption options include using points to book travel, or transferring them to partner programs including United Airlines, Marriott and Hyatt.

You must use the card at least five times during a statement period to earn most rewards, though you will still earn 250 points on rent. There's no sign-up bonus. If the manager of your property requires that you pay rent by check rather than through an online portal, you can still earn rewards, but Bilt needs to send a check on your behalf.

Earn 7 Hilton Honors bonus points per dollar spent directly with a hotel or resort within the Hilton Honors portfolio of brands; 5 points per dollar at U.S. restaurants, U.S. supermarkets, and U.S. gas stations; and 3 per dollar on all other purchases. It also offers a welcome bonus: Earn 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Terms Apply.

It doesn't offer an automatic award night every year, and point values are lower than they are in several other award programs. As an American Express card, acceptance abroad may be limited.

You earn 2 miles per $1 spent on United purchases, as well as at gas stations and on local transit and commuting, and 1 mile per dollar on other spending. There's a decent bonus offer for new cardholders, and the card doesn't charge foreign transaction fees.

You won't get the free checked bags, priority boarding or other perks that give other airline cards much of their appeal (and which can more than make up for the annual fee on such cards).

You'll be eligible for a relatively generous sign-up bonus, and the card's bonus categories go beyond just travel bookings on Expedia sites. You'll also gain automatic Silver tier status within the One Key rewards program, which confers a variety of perks.

What you won't get are higher-end perks, like travel credits. And as with any co-branded travel card, there's little flexibility: You're locked into earning and redeeming within the Expedia family, which also includes Hotels.com and Vrbo.

You earn 1.5 miles per dollar spent on all purchases. Miles are worth 1 cent apiece when redeemed for statement credit against travel purchases or for cash back. The introductory 0% APR period is one of the best in its class. And you get Discover's unique sign-up offer: UNLIMITED BONUS: Unlimited Mile-for-Mile match for all new cardmembers—only from Discover. Discover gives you an unlimited match of all the Miles you’ve earned at the end of your first year. There’s no signing up, no minimum spending or maximum rewards. Just a Miles-for-Miles match. You could turn 35,000 Miles to 70,000 Miles.

Discover's acceptance is limited internationally. If your travels will take you outside the U.S., bring along another card or two for backup.

Earn 2 miles per $1 spent at restaurants worldwide and on purchases made directly with Delta, and 1 mile per $1 spent on other purchases. The card features a modest welcome bonus, plus a 20% discount on in-flight purchases in the form of statement credit when you use the card to buy food and beverages. Terms apply.

It doesn’t offer perks like free checked bags or priority boarding. Since it's an American Express card, you may face limited acceptance abroad.

The American Airlines AAdvantage® MileUp® earns 2 AAdvantage miles per $1 spent at grocery stores and on eligible American Airlines purchases, and 1 AAdvantage mile for every $1 spent on other purchases. It also offers a sign-up bonus, plus a discount on in-flight food and beverage purchases made with the card.

The card doesn't offer free checked bags, and its 3% foreign transaction fee could get costly if you frequently travel internationally.

You earn 5 points per dollar spent on stays at participating Choice Hotels; 3 points per dollar spent at gas stations, grocery stores and home improvement stores, as well as on phone plans; and 1 point per dollar elsewhere. Earn 40,000 bonus points when you spend $1,000 in purchases in the first 3 months - enough to redeem for up to 5 reward nights at select Choice Hotels® properties. Additional fees may apply. The card also comes with automatic Gold elite membership in the Choice Privileges program.

Choice's focus on the budget segment of the travel market limits your options if you're hoping to redeem rewards for a more upscale experience.